Premium Essay

Term

In: Business and Management

Submitted By sgtmarty31
Words 964
Pages 4
Chapter 8 Interest Rates

1. What is the interest rate, and how is it determined?

• Price that equates the demand for and the supply of loanable funds; The interest rate is the yearly price charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned.

• Figure 8-1 shows how interest is determined; supply versus demand

2. Describe how interest rates may adjust to an unanticipated increase in inflation.

• When inflation is volatile from year to year, it becomes difficult for individuals and businesses to correctly predict the rate of inflation in the near future.

Unanticipated inflation occurs when economic agents (i.e. people, businesses and governments) make errors in their inflation forecasts.

• Actual inflation may end up well below, or significantly above expectations causing losses in real incomes and a redistribution of income and wealth from one group in society to another.

3. Identify major periods of rising interest rates in U.S. history, and describe some of the underlying reason for these interest rate movements.

a. 1864-1873 Civil War

b. 1905-1920 Pre World War I

c. 1927-1933 Economic boom/Depression

d. 1946-1982 Rapid expression expansion following WWII

4. How does the loanable funds theory explain the level of interest rates?

a. The theory says that interest rates are a function of the supply of and demand for loanable funds during a specified period.

5. What are the main sources of loanable funds? Indicate and briefly discuss the factors that affect the supply of loanable funds.

a. Short term funds--Current savings—comes from all sectors of the economy, most flows thru US financial institutions

b. Long term funds--Expansion of...

Similar Documents

Free Essay

Terms

...University of Phoenix Material Week 4 Health Care Terms Worksheet Understanding health care terms is a prerequisite for both academic and professional success. This assignment is intended to ensure you understand some of the basic terms used in this course. Complete the worksheet according to the following guidelines: In the space provided, write each term’s definition. You must define the term in your own words. In the space provided after each term’s definition, use the term in a sentence as it applies to the health care industry. You may wish to consider the following: How has it influenced health care? What role has the term played as health care developed over the years? Save the completed worksheet as a Microsoft® Word document with your name in the file name. Submit the file to your facilitator....

Words: 474 - Pages: 2

Premium Essay

Terms

...ALINI AVILA University of Phoenix Material Week 3 Health Care Terms Worksheet Understanding health care terms are a prerequisite for both academic and professional success. This assignment is intended to ensure you understand some of the basic terms used in this course. Complete the worksheet according to the following guidelines: In the space provided, write each term’s definition. You must define the term in your own words. In the space provided after each term’s definition, use the term in a sentence as it applies to the health care industry. You may wish to consider the following: o How has it influenced heath care? o What role has the term played as health care developed over the years? Save the completed worksheet as a Microsoft® Word document with your name in the file name. Submit the file to your facilitator. Submitted by: [Alini Avila.] |Term |Definition |Use the term in a sentence as it applies to the health care | | | |industry. | |Licensure |The organization that regulates license |In order for a licensure to issue an RN license, one must | | |given to professional |complete an n accredited RN program and pass a state NCLEX....

Words: 612 - Pages: 3

Free Essay

Terms

...qwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmqwertyuiopasdfghjklzxcvbnmrtyuiopasdfghjklzxcvbnmqwer......

Words: 732 - Pages: 3

Premium Essay

Terms

...University of Phoenix Material Macroeconomic Terms Describe the following terms in your words. |Term |Definition | |Gross Domestic Product (GDP) |It’s the dollar value in a countries border for | | |goods and services over a certain time period. | | |This is usually annually and it’s used to | | |measure the countries economy compared to the | | |year before. | |Real GDP |Every year prices changes so GDP doesn’t | | |actually reflect the growth of the country that | | |year so the inflammation rate has to be | | |subtracted from the GDP to get the real GDP | | |which is An inflation-adjusted measure that | | |reflects the value of all goods and services | | |produced in a given year....

Words: 282 - Pages: 2

Premium Essay

Term

...Chapter 12 Outline Study Objective 1 - Indicate the Usefulness of the Statement of Cash Flows The statement of cash flows reports the cash receipts, cash payments, and the net change in cash resulting from the operating, investing, and financing activities of a company during the period. The information in a statement of cash flows should help investors, creditors, and others assess: ▪ The company’s ability to generate future cash flows. By examining relationships between items in the statement of cash flows, investors and others can better predict the amounts, timing, and uncertainty of future cash flows. ▪ The company’s ability to pay dividends and meet obligations. Employees, creditors, stockholders, and customers should be particularly interested in this statement because it alone shows the flows of cash in a business. ▪ The reasons for the difference between net income and net cash provided (used) by operating activities. Many financial statement users investigate the reasons for the difference between net income and cash provided by operating activities and then they can assess for themselves the reliability of the income numbers. ▪ The investing and financing transactions during the period. By examining a company’s investing activities and financing activities, a financial statement reader can better understand why assets and liabilities increased or decreased during the period. Study Objective 2 - Distinguish Among Operating,......

Words: 3088 - Pages: 13

Premium Essay

Term

...SEED PROCESSING AND STORAGE Principles and practices of seed harvesting, processing, and storage: an organic seed production manual for seed growers in the Mid-Atlantic and Southern U.S. Copyright © 2004 by Jeffrey H. McCormack, Ph.D. Some rights reserved. See page 28 for distribution and licensing information. For updates visit www.savingourseeds.org For comments or suggestions contact: jeff@gardenmedicinals.com For distribution information please contact: Cricket Rakita Carolina Farm Stewardship Association www.carolinafarmstewards.org www.savingourseed.org P.O. Box 448, Pittsboro, NC 27312 (919) 542-2402 or Jeff McCormack Garden Medicinals and Culinaries www.gardenmedicinals.com www.savingourseeds.org P.O. Box 320, Earlysville, VA 22936 (434) 964-9113 Seed Processing and Storage: Principles and Practices TABLE OF CONTENTS Principles of seed harvesting and processing..................................................................................... Seed harvesting and extraction.............................................................................................................. Harvesting..................................................................................................................................... Dry seed processing ................................................................................................................... Wet seed processing......

Words: 16181 - Pages: 65

Free Essay

The Terms

...These Terms of Service ("Terms") govern your access to and use of the services, including our various websites, SMS, APIs, email notifications, applications, buttons, and widgets, (the "Services" or “Twitter”), and any information, text, graphics, photos or other materials uploaded, downloaded or appearing on the Services (collectively referred to as "Content"). Your access to and use of the Services are conditioned on your acceptance of and compliance with these Terms. By accessing or using the Services you agree to be bound by these Terms. 1. Basic Terms You are responsible for your use of the Services, for any Content you post to the Services, and for any consequences thereof. The Content you submit, post, or display will be able to be viewed by other users of the Services and through third party services and websites (go to the account settings page to control who sees your Content). You should only provide Content that you are comfortable sharing with others under these Terms. Tip What you say on Twitter may be viewed all around the world instantly. You are what you Tweet! You may use the Services only if you can form a binding contract with Twitter and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. If you are accepting these Terms and using the Services on behalf of a company, organization, government, or other legal entity, you represent and warrant that you are authorized to do so....

Words: 854 - Pages: 4

Premium Essay

Term

...FINANCIAL RATIO ANALYSIS OF UNITED COMMERCIAL BANK LIMITED INTERNSHIP REPORT ON FINANCIAL RATIO ANALYSIS OF UNITED COMMERCIAL BANK LIMITED SUBMITTED TO M R M AHMUDUL HAQ ASSISTANT PROFESSOR BRAC B USINESS SCHOOL BRAC UNIVERSITY SUBMITTED BY: ASHIQUR RAHMAN ID-08104154 BRAC B USINESS SCHOOL DATE OF SUBMISSION M AY 24, 2012 LETTER OF TRANSMITTAL 24th May 2012 Mr Mahmudul Haq Assistant Professor BRAC Business School BRAC University Subject: Submission of Internship Report. Dear Sir, With due respect, I would like to inform you that, it is a great pleasure for me to submit the internship report on “Financial Ratio Analysis of United Commercial Bank Limited” as a requirement for the completion of BBA program. I have tried to make the report a comprehensive one within the given 3 months of time. I earnestly thank you for your guidance during the preparation of this report. Any sort of suggestion regarding the report will be greatly acknowledged and I will be gratified if our report serves its purpose. While conducting the report, I have gathered lots of knowledge about the performance of banking operations of commercial consumer lending on first generation banks like United Commercial Bank. I therefore, request you to accept this report and give me proper suggestion to work in my professional life. Yours faithfully, ……………….. Ashiqur Rahman ID: 08104154 Page | i ACKNOWLEDGEMENT As a part of my completion of Bachelor of Business Administration program, our department......

Words: 12399 - Pages: 50

Premium Essay

Terms

...University of Phoenix Material Health Care Information Systems Terms Define the following terms. Your definitions must be in your own words; do not copy them from the textbook. After you define each term, describe in 40 to 60 words the health care setting in which each term would be applied. Include at least two research sources to support your position—one from the University Library and the other from the textbook. Cite your sources in the References section consistent with APA guidelines. Term | Definition | How It Is Used in Health Care | Health Insurance Portability and Accountability Act | “The HIPAA Privacy Rule, which protects the privacy of individually identifiable health information; the HIPAA Security Rule, which sets national standards for the security of electronic protected health information; the HIPAA Breach Notification Rule, which requires covered entities and business associates to provide notification following a breach of unsecured protected health information; and the confidentiality provisions of the Patient Safety Rule, which protect identifiable information being used to analyze patient safety events and improve patient safety” (www.hhs.gov) | This act protects the rights and privacy of the patients....

Words: 1083 - Pages: 5

Premium Essay

Terms

...University of Phoenix Material Health Care Information Systems Terms Define the following terms. Your definitions must be in your own words; do not copy them from the textbook. After you have defined each term in your own words, describe in 40 to 60 words the health care setting in which each term would be applied. Utilize a minimum of two research sources to support your claims—one from the University Library and the other from the textbook. Be sure to cite your sources in the References section consistent with APA guidelines. |Term |Definition |How Used in Healthcare | |Health Insurance Portability and |Put into place, in 1996, to stop |HIPAA basically states that you have to be | |Accountability Act (HIPAA) |unauthorized individuals from viewing |authorized to view patient health | | |patient health information. |information and only a minimum amount of | | | |information can be disclosed....

Words: 912 - Pages: 4

Premium Essay

Term

...Currently, the brand is open for franchising at a cost of 7 million pesos, with franchise terms renewable every seven years. The company provides operational guidance for new franchisees, including training for their time-tested operations system, staff support, and other marketing initiatives. Before approving any franchise deal, the company looks at the site where the store will be built and they would assess whether or not the location is ideal and profitable. Mang Inasal hires project inspectors, who are mostly architectures and civil engineers, to oversee the construction of a branch. They ensure that the company is able to locate its stores in high traffic areas, such as malls or near schools. Most Mang Inasal stores are open from 10:00 am to 10:00 pm, and each branch has at least 40 employees. These individuals either take or prepare the customer's orders, maintain the cleanliness of the facilities, or perform other routinary work, supervised by the store manager. Each of the company's employees receive rigorous training before they are considered part of the permanent staff of a branch. As well, Mang Inasal has management trainees whom they hone to become branch supervisors. All this adds up to ensure that each customer experiences fast and quality service from the store....

Words: 582 - Pages: 3

Premium Essay

Term

...(Melvin, S.pg. 635) International law has broad terms but is not limited to just rules that are applied to settle disputes in court. One must consider the feasible outcome before taking legal action against a foreign business partner based in another country. We must examine the foreign policies, customs law and the enforcement of intellectual property rights abroad. This will have a significant impact on the cost benefit analysis of pursuing infringement claims, in terms of additional fees and expenses related to foreign litigation. The factors that would work against CadMex’s decision to grant sublicensing agreements are that Sublicensing agreements comes into play when the organization has...

Words: 397 - Pages: 2

Premium Essay

Term

...Questions to help direct your study for the upcoming exam. On the exam, be sure to demonstrate your complete understanding of all of the issues associated with each question – more information is generally better as long as it is relevant and based on course material. SPELL EVERYTHING OUT & BRING A BLUE BOOK TO THE EXAM 1. Consider “groupthink’ and the video we watched on this topic. Be sure to identify the symptoms of groupthink and discuss ways groupthink can be minimized ore avoided. 2. Consider the article ‘How Management Teams Can Have a good Fight.” Based on this article and in-class discussion, explain the recommended approaches for helping to ensure that conflict is productive. 3. Identify and describe each of the five conflict handling styles/conflict handling intentions as outlined during class (slides) and also described in the text using slightly different labels. What style did Thomas Green seem to use in the conflict with his boss? Was it helpful? Apply each of the five-styles to suggest different ways Green could have respondeded. Which style might you suggest Green use instead – why? 4. Which conflict handling style best describe Donna Dubinsky’s approach when 1) the JIT idea first surfaced and during 2) the task force meetings? How effective were these styles at each of these points? Defend your points. What other approach (es) might you suggest for Donna at each of these points in the case? 5. You received what you consider to be a......

Words: 693 - Pages: 3

Premium Essay

Terms

...Health Care Information Systems Terms Define the following terms. Your definitions must be in your own words; do not copy them from the textbook. After you define each term, describe in 40 to 60 words the health care setting in which each term would be applied. Include at least two research sources to support your position—one from the University Library and the other from the textbook. Cite your sources in the References section consistent with APA guidelines. |Term |Definition |How It Is Used in Health Care | |Health Insurance Portability and |The federal legislation that includes |It is used every day with every patient. | |Accountability Act |provisions to protect patients’ health |Weavers are signed and information of any | | |information from unauthorized disclosure, |kind is never shared with any person, place| | |defines health information as any |or thing of any kind unless otherwise | | |information, whether oral or recorded in |signed and agreed on....

Words: 733 - Pages: 3

Premium Essay

Term

...Jasmine Sims Facility Planning II HCS/446 October 8th, 2012 Royann Schmidgall * * Health facilities are places that provide health care to people. A health care facility includes hospitals, clinics, specialized care centers, and outpatient care centers. Health care facilities range from relatively simple and small clinics to complex larger and costly research hospitals. A healthcare facility should communicate messages to patients, volunteers, visitors, and staff as an establishment of kind, comfort and welcoming compassion. Health care facilities commitment to patient’s and families’ is their well-being and safety, a health care facility should also influence employee behaviors and attitudes. Health care facilities evoke change and the advancement of a better delivery of healthcare. Very often healthcare facilities must be renovated to improve healthcare delivery. This paper will discuss Emory University Hospital’s in Atlanta, GA emergency room and surgical center new for renovations Regulatory requirement, color selection, equipment and electronic needed budget planning and cost estimate, and the role of stakeholders in facility planning and development Facility Planning Regulatory requirements and their effect on the design and equipment * * * Hospitals are the most complex of building types. Each hospital consist of of a wide......

Words: 1479 - Pages: 6